With Pay Small, an extended payment plan by American Express, you can choose to break purchases into affordable instalments over 6, 12, 18 or 24 months at 0% interest*. 

Pay Small logo


* If you pay your Card Account in full each month. Terms and Conditions apply.

4 Easy Steps to Pay Small

Step 1:

Inform the on-ground staff that you would like to use Pay Small by American Express for your purchase



Step 2:

Present your American Express Card



Step 3:

Choose your instalment payment plan of 6, 12, 18 or 24 months



Step 4:

That’s it - take your purchase home!






Browse through our merchants offering Pay Small

Special offers and promotions when you use Pay Small*

Receive S$200 Cold Storage vouchers and a pair of Grandeur Plush Pillows (worth S$120) when you spend S$3,000 or more at Sealy Sleep Palace or any Sealy Sleep Boutique. Redemption is limited to the first 150 Card Members. Terms and Conditions apply.

Spend a minimum of S$3,000 or S$5,000 on instalment to receive S$150 or S$300 Harvey Norman vouchers  respectively. Redemption is limited to the first 175 redemptions only. 

Receive S$150 or S$500 vouchers when you spend a minimum of S$3,000 or S$7,000 respectively via Pay Small at participating Watches partners. Redemption is limited to the first 45 Card Members per participating partner. Terms and Conditions apply. 

* No rewards (including Membership Rewards points, Cashback, KrisFlyer miles and STAR$®) will accrue or be earned in respect of Charges made under Pay Small. Other Terms and Conditions apply.